Published terms, read October 29, 2026
DSCR loans for short-term rentals: which lenders say yes
Short-term rentals qualify on a different income number than long-term rentals: a booking history, an AirDNA projection, or a market-rent appraisal that ignores the nightly income. Only some lenders publish that they take them, and our program does not finance vacation or seasonal rentals.
| Lender | Short-term rentals | DSCR minimum | Max LTV (purchase) |
|---|---|---|---|
| Doors FundedOur programs | Not eligible | 1.05x | 80% |
| Visio Lending | Listed as eligible | not published | 85% |
| LendingOne | Listed as eligible | 0.75x | 80% |
| New Silver | Listed as eligible | 0.75x | 80% |
| Griffin Funding | Listed as eligible | no minimum | 85% |
| Dominion Financial | Listed as eligible | 1.00x | 80% |
| Temple View Capital | Listed as eligible | 0.75x | 80% |
| Asset Based Lending | Listed as eligible | 1.00x | 80% |
| Kiavi | Not published | 0.80x | 80% |
| Lima One Capital | Not published | 1.00x | 80% |
| RCN Capital | Not published | 1.00x | 80% |
| Easy Street Capital | Not published | no minimum | 80% |
| CoreVest | Not published | 0.80x | 80% |
| Angel Oak Mortgage Solutions | Not published | no minimum | 85% |
What to check before you apply
- Ask which income the lender uses: 12 months of booking statements, an AirDNA estimate, or long-term market rent. The answer can swing the DSCR by 0.3x or more.
- Some lenders set a higher DSCR floor for short-term rentals than for long-term ones.
- Check the city before the lender: local short-term rental bans and permit caps end more deals than credit does.
Each lender's figures, with the page it came from, are on its own page: follow the name in the table. Every lender prices each deal, and the term sheet you get is what counts.
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